Factors Influencing the Financial Management Behavior of PayLater Users
DOI:
https://doi.org/10.21009/japa.0501.12Keywords:
Financial Literacy, Financial Socialization, Financial Self-Efficacy, Financial Management Behavior, PaylaterAbstract
The purpose of this study was to examine the effect of financial literacy, financial socialization, and financial self-efficacy on the financial management behavior of PayLater users in the Jabodetabek area. The sampling method uses convenience sampling. Data collection uses a survey method by distributing questionnaires. In this study, 100 respondents were obtained who met the criteria with statistical analysis using Structural Equation Modeling - Partial least square (SEM - PLS). The results showed that the three independent variables had an effect on financial management behavior. From the research results, it is hoped that paylater users will improve their financial understanding and learn to manage finances wisely, such as making financial plans, paying paylater bills on time, and limiting themselves in using excess paylater. Good financial management behavior can prevent individuals from financial problems and the risk of defaulting on paylater bills.
References
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Annur, C. M. (2023, October 24). Kelompok Mahasiswa dan Pekerja Penyumbang Gagal Bayar Pinjol Terbesar se-Indonesia. Databoks.
Arganata, T., & Lutfi. (2019). Pengaruh niat berperilaku, kecerdasan spiritual dan literasi keuangan terhadap pengelolaan keuangan keluarga. Journal OfBusiness and Banking, 9(1), 142–156. https://doi.org/10.14414/jbb.v9i1.1555
Arsytania, R. A., & Zaniarti, S. (2023). Faktor-Faktor yang Mempengaruhi Financial Management Behavior (Studi Kasus Mahasiswa Manajemen Universitas Kristen Maranatha). Journal Management, Business, and Accounting, 22(1), 22–34.
Dewanti, V. P., & Asandimitra, N. (2021). Pengaruh Financial Socialization, Financial Knowledge, Financial Experience Terhadap Financial Management Behavior. In Jurnal Ilmu Manajemen (Vol. 9).
Elviani, R. A., & Iramani, R. (2023). The Effect Of Literation, Attitude And Financial Risk Tolerance, Personality On Financial Management In Paylater Using Communities. Management Studies and Entrepreneurship Journal, 4(5), 4713–4723.
Firdaus, A. F., & Kadarningsih, A. (2023). Peran Financial Socialization, Financial Self-Efficacy dan Financial Knowledge Terhadap Financial Management Behavior Generasi Z. Jurnal Akuntansi, Ekonomi Dan Manajemen Bisnis, 3(3), 415–425. https://doi.org/10.55606/jaemb.v3i3.2285
Gunawan, A., Mukmin, Wahyuni, S. F., & Sari, M. (2023). Factors affecting financial management behavior of Paylater users in Indonesia: Examining the moderating role of locus of control. Investment Management and Financial Innovations, 20(4), 171–181. https://doi.org/10.21511/imfi.20(4).2023.15
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Ibrahim, W. (2020). Effect of Financial Attitude, Financial Self-Efficacy, Parent’s Socioeconomic, and Financial Socialization Agent on Financial Management Behavior With Financial Literacy as Moderating Variable in Students of the Semarang State University 2017. Universitas Negeri Surabaya.
Ida, & Dwinta, C. Y. (2010). Pengaruh Locus of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Jurnal Bisnis Dan Akuntansi, 12(3), 131–144.
Kholilah, N. Al, & Iramani, R. (2013). Studi Financial Management Behavior pada Masyarakat Surabaya. Journal of Business and Banking , 3(1), 69–80.
Maha Dewi, P. E. W., & Cahyaningtyas, F. (2024). Financial Management Behavior pada Pengguna Paylater dalam Perspektif Theory of Planned Behavior. Jurnal Lentera Bisnis, 13(1), 43–55. https://doi.org/10.34127/jrlab.v13i1.960
Musyaffi, A. M., Khirunnisa, H., & Respati, D. K. (2022). Konsep Dasar Structural Equation Model-Partial Least Square (SEM-PLS) Menggunakan SMARTPLS. Pascal Books.
Nikmatus Sholihah, D., & Isbanah, Y. (2023). Pengaruh literasi keuangan, pengetahuan keuangan, locus of control, dan hedonism lifestyle terhadap financial management behavior. Jurnal Ilmu Manajemen, 11(3), 589–601.
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Nurhayati. (2023, December 21). Ada 25 Korban Bunuh Diri Akibat Pinjol di 2023, Tertinggi Dalam 5 Tahun. Garudatv.
Perwitasari, A. S. (2023, July 6). Pengguna Paylater Melonjak 33,25% Hingga Mei 2023. Kontan.Co.Id.
Qalbu Waty, N., Triwahyuningtyas, N., & Warman, E. (2021). Analisis Perilaku Manajemen Keuangan Mahasiswa Dimasa Pandemi Covid-19. Konferensi Riset Nasional Ekonomi, Manajemen, Dan Akuntansi , 2, 477–495.
Rachman, C., & Rochmawati. (2021). Dampak financial literacy, financial attitude, financial self efficacy, social economic status, locus of control pada perilaku manajemen keuangan. Jurnal Ilmu Manajemen, 3, 417–429. http://journal.feb.unmul.ac.id/index.php/INOVASI
Rahma, F. A., & Susanti, S. (2022). Pengaruh Literasi Keuangan, Financial Self Efficacy dan Fintech Payment terhadap Manajemen Keuangan Pribadi Mahasiswa. Edukatif : Jurnal Ilmu Pendidikan, 4(3), 3236–3247. https://doi.org/10.31004/edukatif.v4i3.2690
Ridho, M. R. (2021). Pengaruh Literasi Keuangan. Persepsi Risiko, Persepsi Manfaat dan Locus of Control Terhadap Financial Behavior Management dalam Penggunaan P2P Lending Paylater pada Masa Pandemi. Universitas Islam indonesia.
Rizkiawati, N. L., & Asandimitra, N. (2018). Pengaruh Demografi, Financial Knowledge, Financial Attitude, Locus of Control dan Financial Self-Efficacy Terhadap Financial Management Behavior Masyarakat Surabaya. Jurnal Ilmu Manajemen , 6(3), 93–105.
Siti, F. (2019). Pengaruh Financial Literacy, Financial Self Efficacy, Social Economic Status Dan Locus Of Control Terhadap Perilaku Manajemen Keuangan Mahasiswa S-1 Fakultas Ekonomi Dan Ilmu Sosial Universitas Islam Negeri Sultan Syarif Kasim Riau.
Allyah, N. N. (2023). Analisis Financial Self-Efficacy Memediasi Pengaruh Literasi Keuangan, Sikap Keuangan Terhadap Perilaku Pengelolaan Keuangan pada UMKM Waserda di Kecamatan Pangkalan Lesung. Universitas Islan Negeri Sultan Syarif Kasim Riau.
Amira. (2023). Pengertian Paylater: Keuntungan, Kerugian, dan Cara Menggunakannya. Gramedia Blog.
Annur, C. M. (2023, October 24). Kelompok Mahasiswa dan Pekerja Penyumbang Gagal Bayar Pinjol Terbesar se-Indonesia. Databoks.
Arganata, T., & Lutfi. (2019). Pengaruh niat berperilaku, kecerdasan spiritual dan literasi keuangan terhadap pengelolaan keuangan keluarga. Journal OfBusiness and Banking, 9(1), 142–156. https://doi.org/10.14414/jbb.v9i1.1555
Arsytania, R. A., & Zaniarti, S. (2023). Faktor-Faktor yang Mempengaruhi Financial Management Behavior (Studi Kasus Mahasiswa Manajemen Universitas Kristen Maranatha). Journal Management, Business, and Accounting, 22(1), 22–34.
Dewanti, V. P., & Asandimitra, N. (2021). Pengaruh Financial Socialization, Financial Knowledge, Financial Experience Terhadap Financial Management Behavior. In Jurnal Ilmu Manajemen (Vol. 9).
Elviani, R. A., & Iramani, R. (2023). The Effect Of Literation, Attitude And Financial Risk Tolerance, Personality On Financial Management In Paylater Using Communities. Management Studies and Entrepreneurship Journal, 4(5), 4713–4723.
Firdaus, A. F., & Kadarningsih, A. (2023). Peran Financial Socialization, Financial Self-Efficacy dan Financial Knowledge Terhadap Financial Management Behavior Generasi Z. Jurnal Akuntansi, Ekonomi Dan Manajemen Bisnis, 3(3), 415–425. https://doi.org/10.55606/jaemb.v3i3.2285
Gunawan, A., Mukmin, Wahyuni, S. F., & Sari, M. (2023). Factors affecting financial management behavior of Paylater users in Indonesia: Examining the moderating role of locus of control. Investment Management and Financial Innovations, 20(4), 171–181. https://doi.org/10.21511/imfi.20(4).2023.15
Halimah, F., Mardani, R. M., & Bastomi, M. (2024). Pengaruh Financial Socialization, Financial Knowledge dan Financial Experience Terhadap Financial Management Behaviour (Studi pada Mahasiswa Universitas Islam Malang). E-Jurnal Riset Manajemen, 13(1), 245–255.
Ibrahim, W. (2020). Effect of Financial Attitude, Financial Self-Efficacy, Parent’s Socioeconomic, and Financial Socialization Agent on Financial Management Behavior With Financial Literacy as Moderating Variable in Students of the Semarang State University 2017. Universitas Negeri Surabaya.
Ida, & Dwinta, C. Y. (2010). Pengaruh Locus of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Jurnal Bisnis Dan Akuntansi, 12(3), 131–144.
Kholilah, N. Al, & Iramani, R. (2013). Studi Financial Management Behavior pada Masyarakat Surabaya. Journal of Business and Banking , 3(1), 69–80.
Maha Dewi, P. E. W., & Cahyaningtyas, F. (2024). Financial Management Behavior pada Pengguna Paylater dalam Perspektif Theory of Planned Behavior. Jurnal Lentera Bisnis, 13(1), 43–55. https://doi.org/10.34127/jrlab.v13i1.960
Musyaffi, A. M., Khirunnisa, H., & Respati, D. K. (2022). Konsep Dasar Structural Equation Model-Partial Least Square (SEM-PLS) Menggunakan SMARTPLS. Pascal Books.
Nikmatus Sholihah, D., & Isbanah, Y. (2023). Pengaruh literasi keuangan, pengetahuan keuangan, locus of control, dan hedonism lifestyle terhadap financial management behavior. Jurnal Ilmu Manajemen, 11(3), 589–601.
Nuraini. (2022, October 18). Fintech: Definisi, Manfaat, Jenis hingga Dasar Hukumnya. Bisnis.Com.
Nurhayati. (2023, December 21). Ada 25 Korban Bunuh Diri Akibat Pinjol di 2023, Tertinggi Dalam 5 Tahun. Garudatv.
Perwitasari, A. S. (2023, July 6). Pengguna Paylater Melonjak 33,25% Hingga Mei 2023. Kontan.Co.Id.
Qalbu Waty, N., Triwahyuningtyas, N., & Warman, E. (2021). Analisis Perilaku Manajemen Keuangan Mahasiswa Dimasa Pandemi Covid-19. Konferensi Riset Nasional Ekonomi, Manajemen, Dan Akuntansi , 2, 477–495.
Rachman, C., & Rochmawati. (2021). Dampak financial literacy, financial attitude, financial self efficacy, social economic status, locus of control pada perilaku manajemen keuangan. Jurnal Ilmu Manajemen, 3, 417–429. http://journal.feb.unmul.ac.id/index.php/INOVASI
Rahma, F. A., & Susanti, S. (2022). Pengaruh Literasi Keuangan, Financial Self Efficacy dan Fintech Payment terhadap Manajemen Keuangan Pribadi Mahasiswa. Edukatif : Jurnal Ilmu Pendidikan, 4(3), 3236–3247. https://doi.org/10.31004/edukatif.v4i3.2690
Ridho, M. R. (2021). Pengaruh Literasi Keuangan. Persepsi Risiko, Persepsi Manfaat dan Locus of Control Terhadap Financial Behavior Management dalam Penggunaan P2P Lending Paylater pada Masa Pandemi. Universitas Islam indonesia.
Rizkiawati, N. L., & Asandimitra, N. (2018). Pengaruh Demografi, Financial Knowledge, Financial Attitude, Locus of Control dan Financial Self-Efficacy Terhadap Financial Management Behavior Masyarakat Surabaya. Jurnal Ilmu Manajemen , 6(3), 93–105.
Siti, F. (2019). Pengaruh Financial Literacy, Financial Self Efficacy, Social Economic Status Dan Locus Of Control Terhadap Perilaku Manajemen Keuangan Mahasiswa S-1 Fakultas Ekonomi Dan Ilmu Sosial Universitas Islam Negeri Sultan Syarif Kasim Riau.
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Published
2024-07-11
How to Cite
Putri, S. W., Ayatulloh Michael Musyaffi, & Gentiga Muhammad Zairin. (2024). Factors Influencing the Financial Management Behavior of PayLater Users. Jurnal Akuntansi, Perpajakan Dan Auditing, 5(1), 175–190. https://doi.org/10.21009/japa.0501.12
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